Perlindungan Hukum Bagi Konsumen Yang Melakukan Pinjaman Online Menurut Undang-Undang Nomor 8 Tahun 1999 Serta Pengawasan Terhadap Online Pinjaman Yang Belum Memiliki Izin

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Yosef Anggit Yonatan
Jeane Neltje Saly

Abstract

Many kinds of innovations have developed due to technological advances, one of which is the services
provided by the company using the latest technology by facilitating consumer to get online-based lending
and borrowing services. The company provides a platform for easy access to borrow and borrow money
in an easy and fast way and without collateral, but if the borrower (debtor) is late in paying the loan past
the due date, interest will be charged, if it still does not pay the company (creditor) will order the
collector/debt collector to collect it, besides that many companies leak the borrower’s (debtor) personal
data that should be confidential. Therefore, through this research, it is to acquire the form of protection
that is legal for consumers who make online loans and supervision of online loans that do not have a
permit. Normative juridical is chosen for this research method with a case approach and legislation. The
results of the study that the form of consumer insurance legal protection in this case is preventive and
repressive protection. Preventive prevention before the occurrence of a dispute, and repressively reporting
to the Financial Services Authority Government Agencies. In this essential fact, the borrower can resolve
the problem through legal remedies, namely non-judicial (outside the court) and judicial (judicial) legal
remedies.

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References

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